Do you charge for mortgage advice in Brighton?

Initial advice is free. If you proceed with an application, any broker fee that applies will be explained and agreed upfront before submission.

Can you help with leasehold flats?

Yes. Brighton has a lot of leasehold conversions and we know which lenders are most flexible on lease length and building issues.

Do you help with London commuter buyers?

Absolutely. We work with lots of London-based clients buying in Brighton & Hove.

Do you cover Lewes and Worthing?

Yes — we help clients across East and West Sussex.

Are EWS1 cladding issues common in Brighton flats?

Some larger blocks have had cladding concerns. We screen the building before applying and pick lenders pragmatic about EWS1 status.

Can I get a mortgage on a short-lease Brighton flat?

Below 80 years, lender choice narrows; below 70 years, even more. We work with lenders comfortable with shorter leases and can recommend a solicitor for lease extension.

Do you help with London-to-Brighton relocations?

Yes — a large share of our Brighton clients work in London. We use London salaries and bonuses in affordability and advise on commuter-friendly postcodes.

Are Regency conversions mortgageable in Kemptown?

Yes — most are. Lender choice depends on building condition, freeholder, and lease length; we screen all three before applying.

Can I get a self-employed mortgage in Brighton?

Yes. Brighton's freelance creative economy is large — we work with lenders that accept 1–2 years of accounts and contractor day rates.

Brighton, East Sussex

Mortgage Advisor in Brighton

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Mortgage Advice in Brighton

Brighton & Hove has one of the most characterful — and complex — property markets in the UK. Period conversions, leasehold quirks, and DFL (Down From London) demand all make local expertise essential. Whether you're buying a Regency conversion in Kemptown, a family home in Hove, or remortgaging in Hanover, our advisors compare 90+ lenders and provide free initial advice and agree any broker fee upfront.

Brighton Property Market

Average Property Price

£450,000

Popular Areas

HoveKemptownHanoverSeven DialsPreston ParkFivewaysBrighton Marina

Our Mortgage Services in Brighton

First-Time Buyers

Expert advice for first-time buyers in Brighton. We'll guide you through every step.

Learn more about First-Time Buyers

Remortgage

Switching your Brighton mortgage? We compare 90+ lenders to find your suitable deal.

Learn more about Remortgage

Home Movers

Moving within or to Brighton? We'll handle your mortgage so you can focus on the move.

Learn more about Home Movers

Buy-to-Let

Investing in Brighton property? We specialise in BTL mortgages for landlords.

Learn more about Buy-to-Let

Buying a Home in Brighton — What You Need to Know

Many Brighton flats are leasehold conversions of Regency and Victorian buildings — lender attitudes to short leases and cladding vary widely.

Hove (BN3) consistently commands a premium over central Brighton for family-sized homes.

DFL buyer demand has cooled vs the post-pandemic peak but remains a meaningful share of the market.

Energy efficiency is increasingly priced in — older housing stock may need EPC improvements to access competitive rates.

Coastal flooding and subsidence risk can affect some lender decisions — we know which lenders are flexible.

Market Trends

Brighton Property Market Trends

Brighton & Hove values are roughly flat year-on-year after a period of post-pandemic correction.
Hove (BN3) family houses remain the city's premium segment, with strong DFL (Down From London) demand.
Kemptown and Hanover continue to be popular with younger buyers, with terraces typically £450k–£600k.
Energy-efficiency upgrades to the city's older housing stock are increasingly priced in by lenders.

Local Updates

Recent Brighton News & Updates

Spring 2026

Black Rock and Madeira Terrace investment

Long-awaited seafront regeneration is finally underway, supporting BN2 values.

Q1 2026

Brighton i360 future under review

Council discussions around the i360 site continue to influence central BN1 sentiment.

Market data and updates are indicative and based on publicly available sources up to early 2026. Speak to an adviser for live figures specific to your circumstances.

Local Market Data

Brighton Mortgage Market — Key Numbers

A snapshot of what the Brighton mortgage market looks like right now, reconciled against HM Land Registry UK HPI, ONS, Rightmove and Nationwide reporting. Use these figures as a starting point — we'll refine the numbers to your circumstances on our first call.

Average sold price

£440,000

Year-on-year: +0.2%

Typical first-time buyer price

£360,000

Typical deposit: £62,000 (14%)

Common income multiple

4.5–5.5×

Higher available for select professions

Typical BTL yield

4–5%

Gross, subject to stress testing

Typical time to sell (STC)

~50 days

Source: Rightmove regional data

In-demand postcodes

BN1 CentralBN2 KemptownBN3 HoveBN41 Portslade

Figures are indicative, based on publicly available data up to early 2026. Individual property valuations, lender criteria and stress tests will vary — book a free call for a personal quote.

What Brighton Customers Say

"Moved from a flat in Kemptown to a house in Fiveways. The whole mortgage was sorted in weeks."

Tasha & Mike L.

Home Movers — Brighton

"Bought my first flat in Hanover. The leasehold side felt complicated, but our advisor handled it."

Daniel B.

First-Time Buyer — Brighton

"Remortgaged a Hove conversion and saved £180/month. Painless process."

Sophie & Marcus T.

Remortgage — Brighton

Sources & Further Reading

Brighton mortgage market — data sources

The market figures and regulatory context on this page draw on the following official and industry sources. All links open to the publisher's own website.

Housing
Brighton & Hove City Council
UK House Price Index (search tool)
HM Land Registry
House Price Index — latest bulletin
Office for National Statistics
Nationwide House Price Index
Nationwide Building Society
Halifax House Price Index
Halifax / Lloyds Banking Group
House Price Index & regional market reports
Rightmove
Bank Rate
Bank of England
Mortgage rules (MCOB) sourcebook
Financial Conduct Authority
Firm reference 754691 — The Mortgage Genie Ltd
FCA Register

The Mortgage Genie Limited is an Appointed Representative of First Complete Ltd, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority (FCA 435779). The Mortgage Genie Limited is entered on the FCA register (firm reference 754691).

Mortgage FAQs — Brighton

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